Home > First Security Bank of Nevada > Performance and Condition Ratios
First Security Bank of Nevada, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6188% | 1,016 |
| Cost of funding earning assets | 0.6416% | 4,011 |
| Net interest margin | 4.9771% | 324 |
| Noninterest income to average assets | 0.1300% | 4,146 |
| Noninterest expense to average assets | 1.9061% | 3,823 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 2.3274% | 294 |
| Return on assets (ROA) | 2.2922% | 295 |
| Pretax return on assets | 2.8982% | 221 |
| Return on Equity (ROE) | 9.2100% | 2,703 |
| Retained earnings to average equity (ytd only) | 9.2066% | 1,207 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 39.2058% | 4,380 |
| Assets per employee ($millions) | 10.6706% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3376% | 1,619 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 70.3600% | 1,768 |
| Net loans and leases to deposits | 97.7504% | 664 |
| Net loans and leases to core deposits | 110.2864% | 952 |
| Total domestic deposits to total assets | 71.9800% | 4,233 |
| Equity capital to assets | 27.0603% | 174 |
| Core capital (leverage) ratio | 25.2728% | 162 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $264,678,600 | 2,599 |
| Average earning assets | $251,549,800 | 2,566 |
| Average equity | $65,898,200 | 1,307 |
| Average total loans | $177,437,600 | 2,469 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5154% | 999 |
| Cost of funding earning assets | 0.5453% | 4,068 |
| Net interest margin | 4.9701% | 320 |
| Noninterest income to average assets | 0.1200% | 4,221 |
| Noninterest expense to average assets | 1.8993% | 3,802 |
| Loan and lease loss provision to assets | 0.0500% | 1,947 |
| Net operating income to assets | 2.2857% | 334 |
| Return on assets (ROA) | 2.2391% | 347 |
| Pretax return on assets | 2.8293% | 274 |
| Return on Equity (ROE) | 9.1800% | 2,880 |
| Retained earnings to average equity (ytd only) | 9.1848% | 1,641 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 39.2260% | 4,376 |
| Assets per employee ($millions) | 10.7091% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4110% | 1,411 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 69.4300% | 1,894 |
| Net loans and leases to deposits | 95.1192% | 812 |
| Net loans and leases to core deposits | 104.8508% | 1,069 |
| Total domestic deposits to total assets | 72.9900% | 4,216 |
| Equity capital to assets | 26.0339% | 184 |
| Core capital (leverage) ratio | 24.3702% | 173 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $266,824,500 | 2,594 |
| Average earning assets | $253,536,750 | 2,557 |
| Average equity | $65,047,750 | 1,305 |
| Average total loans | $176,136,750 | 2,485 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3093% | 1,068 |
| Cost of funding earning assets | 0.4540% | 4,076 |
| Net interest margin | 4.8554% | 369 |
| Noninterest income to average assets | 0.1200% | 4,227 |
| Noninterest expense to average assets | 1.8460% | 3,916 |
| Loan and lease loss provision to assets | 0.0800% | 1,369 |
| Net operating income to assets | 2.2238% | 344 |
| Return on assets (ROA) | 2.1548% | 371 |
| Pretax return on assets | 2.7191% | 279 |
| Return on Equity (ROE) | 9.0300% | 2,981 |
| Retained earnings to average equity (ytd only) | 9.0336% | 1,674 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 39.0019% | 4,420 |
| Assets per employee ($millions) | 11.1544% | 494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 1,614 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 68.2900% | 1,936 |
| Net loans and leases to deposits | 91.6205% | 1,050 |
| Net loans and leases to core deposits | 100.3590% | 1,215 |
| Total domestic deposits to total assets | 74.5400% | 4,154 |
| Equity capital to assets | 24.5397% | 198 |
| Core capital (leverage) ratio | 24.4274% | 168 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $270,093,000 | 2,587 |
| Average earning assets | $256,830,000 | 2,547 |
| Average equity | $64,426,333 | 1,313 |
| Average total loans | $174,513,000 | 2,490 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2361% | 909 |
| Cost of funding earning assets | 0.4212% | 3,905 |
| Net interest margin | 4.8149% | 363 |
| Noninterest income to average assets | 0.1200% | 4,272 |
| Noninterest expense to average assets | 1.8549% | 3,940 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.2459% | 344 |
| Return on assets (ROA) | 2.1085% | 414 |
| Pretax return on assets | 2.6702% | 297 |
| Return on Equity (ROE) | 8.9700% | 3,057 |
| Retained earnings to average equity (ytd only) | 8.9666% | 1,960 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 39.4729% | 4,460 |
| Assets per employee ($millions) | 10.8640% | 533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3932% | 1,646 |
| Loan loss allowance to noncurrent loans | 398.2085% | 1,890 |
| Noncurrent assets plus other real estate owned to assets | 0.2355% | 1,938 |
| Noncurrent loans to loans | 0.3499% | 1,891 |
| Net loans and leases to total assets | 66.3700% | 2,019 |
| Net loans and leases to deposits | 89.4085% | 1,098 |
| Net loans and leases to core deposits | 98.2056% | 1,164 |
| Total domestic deposits to total assets | 74.2300% | 4,274 |
| Equity capital to assets | 24.7642% | 158 |
| Core capital (leverage) ratio | 22.5096% | 199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $271,287,000 | 2,606 |
| Average earning assets | $258,283,500 | 2,568 |
| Average equity | $63,792,500 | 1,335 |
| Average total loans | $169,079,500 | 2,553 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8980% | 1,993 |
| Cost of funding earning assets | 0.1478% | 4,138 |
| Net interest margin | 3.7501% | 1,265 |
| Noninterest income to average assets | 0.1000% | 4,426 |
| Noninterest expense to average assets | 1.6309% | 4,270 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.6457% | 612 |
| Return on assets (ROA) | 1.6457% | 578 |
| Pretax return on assets | 2.0846% | 390 |
| Return on Equity (ROE) | 8.5300% | 3,247 |
| Retained earnings to average equity (ytd only) | 8.5265% | 1,633 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 43.8937% | 4,432 |
| Assets per employee ($millions) | 11.2736% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5031% | 1,189 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 56.8500% | 2,932 |
| Net loans and leases to deposits | 74.0625% | 2,254 |
| Net loans and leases to core deposits | 78.8707% | 2,205 |
| Total domestic deposits to total assets | 76.7600% | 4,195 |
| Equity capital to assets | 22.3589% | 183 |
| Core capital (leverage) ratio | 20.2236% | 247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $316,029,000 | 2,371 |
| Average earning assets | $304,389,200 | 2,316 |
| Average equity | $60,998,000 | 1,384 |
| Average total loans | $156,682,000 | 2,567 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5530% | 2,458 |
| Cost of funding earning assets | 0.1013% | 4,273 |
| Net interest margin | 3.4517% | 1,803 |
| Noninterest income to average assets | 0.1000% | 4,457 |
| Noninterest expense to average assets | 1.5914% | 4,309 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.4533% | 945 |
| Return on assets (ROA) | 1.4533% | 924 |
| Pretax return on assets | 1.8411% | 673 |
| Return on Equity (ROE) | 7.8000% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.7979% | 2,082 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 46.3619% | 4,362 |
| Assets per employee ($millions) | 11.4311% | 453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6883% | 901 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 47.9000% | 3,635 |
| Net loans and leases to deposits | 60.6094% | 3,144 |
| Net loans and leases to core deposits | 64.2812% | 3,090 |
| Total domestic deposits to total assets | 79.0400% | 4,177 |
| Equity capital to assets | 20.6721% | 205 |
| Core capital (leverage) ratio | 19.1334% | 272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $324,576,500 | 2,348 |
| Average earning assets | $313,154,750 | 2,288 |
| Average equity | $60,493,500 | 1,414 |
| Average total loans | $155,186,750 | 2,585 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1476% | 3,189 |
| Cost of funding earning assets | 0.0738% | 4,432 |
| Net interest margin | 3.0738% | 2,635 |
| Noninterest income to average assets | 0.1091% | 4,447 |
| Noninterest expense to average assets | 1.5403% | 4,368 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.2161% | 1,380 |
| Return on assets (ROA) | 1.2161% | 1,366 |
| Pretax return on assets | 1.5403% | 1,071 |
| Return on Equity (ROE) | 6.7433% | 3,379 |
| Retained earnings to average equity (ytd only) | 6.7433% | 2,074 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 4,247 |
| Assets per employee ($millions) | 11.8883% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6282% | 1,092 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 46.0216% | 3,707 |
| Net loans and leases to deposits | 56.8741% | 3,311 |
| Net loans and leases to core deposits | 57.5759% | 3,459 |
| Total domestic deposits to total assets | 80.9184% | 4,136 |
| Equity capital to assets | 18.8854% | 197 |
| Core capital (leverage) ratio | 17.2486% | 309 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $333,699,333 | 2,310 |
| Average earning assets | $322,598,333 | 2,263 |
| Average equity | $60,178,333 | 1,432 |
| Average total loans | $158,643,333 | 2,563 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8996% | 3,537 |
| Cost of funding earning assets | 0.0608% | 4,522 |
| Net interest margin | 2.8388% | 3,016 |
| Noninterest income to average assets | 0.1141% | 4,438 |
| Noninterest expense to average assets | 1.4527% | 4,482 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.1116% | 1,500 |
| Return on assets (ROA) | 1.1116% | 1,490 |
| Pretax return on assets | 1.4080% | 1,229 |
| Return on Equity (ROE) | 6.3044% | 3,247 |
| Retained earnings to average equity (ytd only) | 6.3044% | 2,140 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7813% | 4,275 |
| Assets per employee ($millions) | 12.2877% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 1,496 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 46.0335% | 3,574 |
| Net loans and leases to deposits | 56.0508% | 3,264 |
| Net loans and leases to core deposits | 56.6853% | 3,398 |
| Total domestic deposits to total assets | 82.1282% | 4,059 |
| Equity capital to assets | 17.5582% | 245 |
| Core capital (leverage) ratio | 16.3581% | 321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $340,057,000 | 2,298 |
| Average earning assets | $329,015,000 | 2,244 |
| Average equity | $59,958,000 | 1,487 |
| Average total loans | $162,881,500 | 2,523 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7467% | 1,984 |
| Cost of funding earning assets | 0.0887% | 4,469 |
| Net interest margin | 3.6580% | 1,324 |
| Noninterest income to average assets | 0.1537% | 4,383 |
| Noninterest expense to average assets | 1.5180% | 4,524 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.7042% | 624 |
| Return on assets (ROA) | 1.7042% | 650 |
| Pretax return on assets | 2.1581% | 448 |
| Return on Equity (ROE) | 9.4099% | 2,751 |
| Retained earnings to average equity (ytd only) | 9.4099% | 1,065 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2331% | 4,660 |
| Assets per employee ($millions) | 13.4423% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4824% | 1,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 48.3524% | 3,471 |
| Net loans and leases to deposits | 58.9162% | 3,179 |
| Net loans and leases to core deposits | 59.5993% | 3,340 |
| Total domestic deposits to total assets | 82.0698% | 3,956 |
| Equity capital to assets | 17.7071% | 265 |
| Core capital (leverage) ratio | 16.8145% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $313,697,800 | 2,372 |
| Average earning assets | $302,075,400 | 2,324 |
| Average equity | $56,812,400 | 1,585 |
| Average total loans | $179,751,800 | 2,386 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8636% | 1,883 |
| Cost of funding earning assets | 0.0963% | 4,527 |
| Net interest margin | 3.7673% | 1,195 |
| Noninterest income to average assets | 0.1662% | 4,371 |
| Noninterest expense to average assets | 1.5579% | 4,527 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.7612% | 730 |
| Return on assets (ROA) | 1.7612% | 759 |
| Pretax return on assets | 2.2303% | 516 |
| Return on Equity (ROE) | 9.6662% | 2,857 |
| Retained earnings to average equity (ytd only) | 9.6662% | 1,423 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0441% | 4,690 |
| Assets per employee ($millions) | 13.8219% | 255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3491% | 2,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 56.2402% | 2,704 |
| Net loans and leases to deposits | 69.1182% | 2,322 |
| Net loans and leases to core deposits | 69.9710% | 2,599 |
| Total domestic deposits to total assets | 81.3683% | 4,035 |
| Equity capital to assets | 18.3231% | 258 |
| Core capital (leverage) ratio | 17.2680% | 301 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $308,107,750 | 2,425 |
| Average earning assets | $296,228,250 | 2,375 |
| Average equity | $56,139,000 | 1,621 |
| Average total loans | $183,455,500 | 2,398 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7527% | 2,195 |
| Cost of funding earning assets | 0.1071% | 4,526 |
| Net interest margin | 3.6456% | 1,481 |
| Noninterest income to average assets | 0.1187% | 4,604 |
| Noninterest expense to average assets | 1.5818% | 4,532 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.6120% | 1,030 |
| Return on assets (ROA) | 1.6120% | 1,083 |
| Pretax return on assets | 2.0417% | 767 |
| Return on Equity (ROE) | 8.8644% | 3,144 |
| Retained earnings to average equity (ytd only) | 8.8644% | 1,748 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5271% | 4,638 |
| Assets per employee ($millions) | 11.9682% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3589% | 2,161 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 54.9237% | 3,029 |
| Net loans and leases to deposits | 66.8113% | 2,745 |
| Net loans and leases to core deposits | 67.6113% | 2,988 |
| Total domestic deposits to total assets | 82.2071% | 3,883 |
| Equity capital to assets | 17.5295% | 296 |
| Core capital (leverage) ratio | 15.7060% | 410 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $304,842,333 | 2,434 |
| Average earning assets | $293,069,000 | 2,386 |
| Average equity | $55,435,333 | 1,631 |
| Average total loans | $184,195,667 | 2,404 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8790% | 1,880 |
| Cost of funding earning assets | 0.1237% | 4,502 |
| Net interest margin | 3.7553% | 1,227 |
| Noninterest income to average assets | 0.1420% | 4,495 |
| Noninterest expense to average assets | 1.6098% | 4,516 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6950% | 948 |
| Return on assets (ROA) | 1.6950% | 997 |
| Pretax return on assets | 2.1468% | 746 |
| Return on Equity (ROE) | 9.1409% | 2,984 |
| Retained earnings to average equity (ytd only) | 9.1409% | 1,904 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7080% | 4,645 |
| Assets per employee ($millions) | 11.4959% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 2,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 57.6532% | 2,838 |
| Net loans and leases to deposits | 69.9760% | 2,507 |
| Net loans and leases to core deposits | 70.8125% | 2,800 |
| Total domestic deposits to total assets | 82.3900% | 3,814 |
| Equity capital to assets | 17.2266% | 292 |
| Core capital (leverage) ratio | 17.4474% | 287 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $295,693,000 | 2,462 |
| Average earning assets | $284,611,500 | 2,417 |
| Average equity | $54,830,500 | 1,639 |
| Average total loans | $186,330,500 | 2,387 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 1,822 |
| Cost of funding earning assets | 0.3037% | 4,122 |
| Net interest margin | 4.0131% | 947 |
| Noninterest income to average assets | 0.1093% | 4,710 |
| Noninterest expense to average assets | 1.8298% | 4,426 |
| Loan and lease loss provision to assets | 0.1474% | 2,533 |
| Net operating income to assets | 1.5486% | 715 |
| Return on assets (ROA) | 1.5480% | 780 |
| Pretax return on assets | 1.9608% | 497 |
| Return on Equity (ROE) | 7.8166% | 2,882 |
| Retained earnings to average equity (ytd only) | 7.8166% | 1,110 |
| Net charge-offs to loans | -0.0046% | 4,110 |
| Credit loss provision to net charge-offs | -4,837.5000% | 4,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2922% | 4,705 |
| Assets per employee ($millions) | 10.7800% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3242% | 2,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 67.6042% | 1,868 |
| Net loans and leases to deposits | 89.1007% | 998 |
| Net loans and leases to core deposits | 90.4826% | 1,492 |
| Total domestic deposits to total assets | 75.8739% | 4,515 |
| Equity capital to assets | 20.1153% | 197 |
| Core capital (leverage) ratio | 17.7626% | 270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $262,592,600 | 2,502 |
| Average earning assets | $250,581,600 | 2,467 |
| Average equity | $52,004,400 | 1,633 |
| Average total loans | $172,923,400 | 2,465 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2643% | 2,209 |
| Cost of funding earning assets | 0.3547% | 4,033 |
| Net interest margin | 3.9095% | 1,331 |
| Noninterest income to average assets | 0.1078% | 4,730 |
| Noninterest expense to average assets | 1.8952% | 4,336 |
| Loan and lease loss provision to assets | 0.1691% | 2,308 |
| Net operating income to assets | 1.3946% | 1,114 |
| Return on assets (ROA) | 1.3938% | 1,215 |
| Pretax return on assets | 1.7659% | 837 |
| Return on Equity (ROE) | 7.0665% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.0665% | 1,659 |
| Net charge-offs to loans | -0.0063% | 4,107 |
| Credit loss provision to net charge-offs | -4,137.5000% | 4,197 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2930% | 4,539 |
| Assets per employee ($millions) | 10.9413% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2757% | 2,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 64.9913% | 2,640 |
| Net loans and leases to deposits | 90.7402% | 1,192 |
| Net loans and leases to core deposits | 92.2630% | 1,773 |
| Total domestic deposits to total assets | 71.6235% | 4,693 |
| Equity capital to assets | 18.5883% | 266 |
| Core capital (leverage) ratio | 16.8662% | 350 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $260,865,500 | 2,501 |
| Average earning assets | $248,445,500 | 2,464 |
| Average equity | $51,452,750 | 1,636 |
| Average total loans | $169,994,500 | 2,486 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3890% | 2,242 |
| Cost of funding earning assets | 0.4010% | 4,035 |
| Net interest margin | 3.9881% | 1,357 |
| Noninterest income to average assets | 0.1099% | 4,742 |
| Noninterest expense to average assets | 1.9763% | 4,279 |
| Loan and lease loss provision to assets | 0.2237% | 1,870 |
| Net operating income to assets | 1.3352% | 1,261 |
| Return on assets (ROA) | 1.3352% | 1,361 |
| Pretax return on assets | 1.6917% | 1,018 |
| Return on Equity (ROE) | 6.6265% | 3,279 |
| Retained earnings to average equity (ytd only) | 6.6265% | 1,815 |
| Net charge-offs to loans | -0.0097% | 4,205 |
| Credit loss provision to net charge-offs | -3,537.5000% | 4,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6195% | 4,466 |
| Assets per employee ($millions) | 10.9780% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2808% | 2,097 |
| Loan loss allowance to noncurrent loans | 16,728.5714% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.0049% | 4,570 |
| Noncurrent loans to loans | 0.0077% | 4,490 |
| Net loans and leases to total assets | 63.2407% | 2,971 |
| Net loans and leases to deposits | 94.6827% | 896 |
| Net loans and leases to core deposits | 97.7192% | 1,432 |
| Total domestic deposits to total assets | 66.7922% | 4,868 |
| Equity capital to assets | 18.1511% | 292 |
| Core capital (leverage) ratio | 18.2307% | 277 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $252,995,667 | 2,525 |
| Average earning assets | $239,916,000 | 2,491 |
| Average equity | $50,977,333 | 1,640 |
| Average total loans | $164,235,000 | 2,530 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7515% | 1,553 |
| Cost of funding earning assets | 0.4629% | 4,102 |
| Net interest margin | 4.2886% | 774 |
| Noninterest income to average assets | 0.1030% | 4,812 |
| Noninterest expense to average assets | 2.1421% | 4,133 |
| Loan and lease loss provision to assets | 0.3615% | 849 |
| Net operating income to assets | 1.3278% | 1,167 |
| Return on assets (ROA) | 1.3278% | 1,262 |
| Pretax return on assets | 1.6843% | 880 |
| Return on Equity (ROE) | 6.2181% | 3,232 |
| Retained earnings to average equity (ytd only) | 6.2181% | 1,798 |
| Net charge-offs to loans | -0.0207% | 4,344 |
| Credit loss provision to net charge-offs | -2,675.0000% | 3,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9883% | 4,611 |
| Assets per employee ($millions) | 9.4074% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3940% | 1,722 |
| Loan loss allowance to noncurrent loans | 16,228.5714% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,614 |
| Noncurrent loans to loans | 0.0086% | 4,541 |
| Net loans and leases to total assets | 65.7067% | 2,851 |
| Net loans and leases to deposits | 95.9733% | 911 |
| Net loans and leases to core deposits | 99.4837% | 1,511 |
| Total domestic deposits to total assets | 68.4635% | 4,912 |
| Equity capital to assets | 20.8407% | 209 |
| Core capital (leverage) ratio | 19.6288% | 248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $236,780,000 | 2,581 |
| Average earning assets | $225,528,000 | 2,531 |
| Average equity | $50,562,000 | 1,649 |
| Average total loans | $154,928,500 | 2,592 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1808% | 1,037 |
| Cost of funding earning assets | 0.4660% | 4,218 |
| Net interest margin | 4.7148% | 452 |
| Noninterest income to average assets | 0.8763% | 1,231 |
| Noninterest expense to average assets | 2.2476% | 4,068 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.5277% | 128 |
| Return on assets (ROA) | 2.5277% | 137 |
| Pretax return on assets | 3.0842% | 94 |
| Return on Equity (ROE) | 11.6502% | 1,640 |
| Retained earnings to average equity (ytd only) | 11.6502% | 271 |
| Net charge-offs to loans | 0.0158% | 3,156 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | 307.8182% | 280 |
| Efficiency ratio | 42.0091% | 5,028 |
| Assets per employee ($millions) | 7.8954% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3958% | 1,533 |
| Loan loss allowance to noncurrent loans | 9,318.1818% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0096% | 4,623 |
| Noncurrent loans to loans | 0.0150% | 4,521 |
| Net loans and leases to total assets | 63.2497% | 3,285 |
| Net loans and leases to deposits | 81.3647% | 2,633 |
| Net loans and leases to core deposits | 84.6263% | 2,901 |
| Total domestic deposits to total assets | 77.7361% | 4,398 |
| Equity capital to assets | 21.9023% | 184 |
| Core capital (leverage) ratio | 19.4501% | 261 |
| Tier 1 risk-based capital ratio | 27.8833% | 569 |
| Total risk-based capital ratio | 29.1345% | 557 |
| Memoranda: | ||
| Average total assets | $219,568,000 | 2,664 |
| Average earning assets | $207,496,800 | 2,631 |
| Average equity | $47,638,600 | 1,668 |
| Average total loans | $139,598,600 | 2,724 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2441% | 954 |
| Cost of funding earning assets | 0.4753% | 4,241 |
| Net interest margin | 4.7688% | 442 |
| Noninterest income to average assets | 1.1220% | 718 |
| Noninterest expense to average assets | 2.2109% | 4,158 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.8149% | 102 |
| Return on assets (ROA) | 2.8149% | 107 |
| Pretax return on assets | 3.4066% | 87 |
| Return on Equity (ROE) | 13.0066% | 1,278 |
| Retained earnings to average equity (ytd only) | 13.0066% | 279 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.2155% | 5,144 |
| Assets per employee ($millions) | 7.6364% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4211% | 1,495 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 64.9008% | 3,193 |
| Net loans and leases to deposits | 83.8737% | 2,471 |
| Net loans and leases to core deposits | 87.7764% | 2,754 |
| Total domestic deposits to total assets | 77.3792% | 4,460 |
| Equity capital to assets | 22.2099% | 177 |
| Core capital (leverage) ratio | 18.9303% | 291 |
| Tier 1 risk-based capital ratio | 26.8721% | 653 |
| Total risk-based capital ratio | 28.1236% | 637 |
| Memoranda: | ||
| Average total assets | $217,218,250 | 2,707 |
| Average earning assets | $204,769,750 | 2,676 |
| Average equity | $47,011,000 | 1,687 |
| Average total loans | $137,780,500 | 2,770 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2188% | 944 |
| Cost of funding earning assets | 0.4683% | 4,249 |
| Net interest margin | 4.7505% | 447 |
| Noninterest income to average assets | 1.5977% | 360 |
| Noninterest expense to average assets | 2.1946% | 4,235 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 3.2520% | 72 |
| Return on assets (ROA) | 3.2520% | 78 |
| Pretax return on assets | 3.8785% | 71 |
| Return on Equity (ROE) | 15.1621% | 728 |
| Retained earnings to average equity (ytd only) | 15.1621% | 165 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0140% | 5,217 |
| Assets per employee ($millions) | 7.8177% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5194% | 1,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 61.3524% | 3,615 |
| Net loans and leases to deposits | 79.0709% | 3,053 |
| Net loans and leases to core deposits | 82.4673% | 3,242 |
| Total domestic deposits to total assets | 77.5916% | 4,463 |
| Equity capital to assets | 21.9913% | 178 |
| Core capital (leverage) ratio | 19.1880% | 265 |
| Tier 1 risk-based capital ratio | 26.9072% | 628 |
| Total risk-based capital ratio | 28.1587% | 615 |
| Memoranda: | ||
| Average total assets | $215,806,000 | 2,726 |
| Average earning assets | $203,303,330 | 2,702 |
| Average equity | $46,286,330 | 1,707 |
| Average total loans | $135,108,000 | 2,814 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2309% | 853 |
| Cost of funding earning assets | 0.4652% | 4,222 |
| Net interest margin | 4.7656% | 434 |
| Noninterest income to average assets | 2.9963% | 145 |
| Noninterest expense to average assets | 2.2029% | 4,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 4.5421% | 45 |
| Return on assets (ROA) | 4.5421% | 48 |
| Pretax return on assets | 5.2683% | 48 |
| Return on Equity (ROE) | 21.4548% | 195 |
| Retained earnings to average equity (ytd only) | 21.4548% | 80 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.3853% | 5,319 |
| Assets per employee ($millions) | 8.6973% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5657% | 1,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 57.6049% | 3,931 |
| Net loans and leases to deposits | 73.4818% | 3,489 |
| Net loans and leases to core deposits | 76.5473% | 3,624 |
| Total domestic deposits to total assets | 78.3934% | 4,451 |
| Equity capital to assets | 21.0441% | 195 |
| Core capital (leverage) ratio | 19.2871% | 263 |
| Tier 1 risk-based capital ratio | 27.9507% | 563 |
| Total risk-based capital ratio | 29.2028% | 546 |
| Memoranda: | ||
| Average total assets | $214,261,000 | 2,769 |
| Average earning assets | $201,190,500 | 2,752 |
| Average equity | $45,360,500 | 1,722 |
| Average total loans | $134,477,000 | 2,853 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8232% | 1,492 |
| Cost of funding earning assets | 0.4373% | 3,755 |
| Net interest margin | 4.3859% | 971 |
| Noninterest income to average assets | 0.7308% | 1,729 |
| Noninterest expense to average assets | 2.1533% | 4,441 |
| Loan and lease loss provision to assets | -0.2150% | 5,338 |
| Net operating income to assets | 2.3736% | 181 |
| Return on assets (ROA) | 2.3736% | 178 |
| Pretax return on assets | 2.8875% | 109 |
| Return on Equity (ROE) | 12.3319% | 1,605 |
| Retained earnings to average equity (ytd only) | 12.3319% | 295 |
| Net charge-offs to loans | -0.2207% | 5,278 |
| Credit loss provision to net charge-offs | 154.3253% | 1,788 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4511% | 5,167 |
| Assets per employee ($millions) | 8.4330% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5166% | 1,239 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4921% | 2,608 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 66.4789% | 3,057 |
| Net loans and leases to deposits | 84.9575% | 2,413 |
| Net loans and leases to core deposits | 88.9327% | 2,661 |
| Total domestic deposits to total assets | 78.2496% | 4,450 |
| Equity capital to assets | 21.3121% | 186 |
| Core capital (leverage) ratio | 16.8646% | 419 |
| Tier 1 risk-based capital ratio | 24.7378% | 758 |
| Total risk-based capital ratio | 25.9900% | 746 |
| Memoranda: | ||
| Average total assets | $207,448,000 | 2,792 |
| Average earning assets | $193,688,600 | 2,781 |
| Average equity | $39,929,000 | 1,866 |
| Average total loans | $130,926,200 | 2,868 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6317% | 1,896 |
| Cost of funding earning assets | 0.3999% | 3,859 |
| Net interest margin | 4.2318% | 1,284 |
| Noninterest income to average assets | 0.9870% | 982 |
| Noninterest expense to average assets | 2.3023% | 4,096 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.2205% | 261 |
| Return on assets (ROA) | 2.2205% | 258 |
| Pretax return on assets | 2.6256% | 181 |
| Return on Equity (ROE) | 11.8447% | 1,854 |
| Retained earnings to average equity (ytd only) | 11.8447% | 503 |
| Net charge-offs to loans | -0.2975% | 5,359 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5517% | 5,125 |
| Assets per employee ($millions) | 8.3634% | 555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8835% | 616 |
| Loan loss allowance to noncurrent loans | 355.1481% | 1,457 |
| Noncurrent assets plus other real estate owned to assets | 0.9426% | 1,554 |
| Noncurrent loans to loans | 0.5303% | 2,790 |
| Net loans and leases to total assets | 65.3484% | 3,268 |
| Net loans and leases to deposits | 82.6828% | 2,746 |
| Net loans and leases to core deposits | 86.6768% | 2,945 |
| Total domestic deposits to total assets | 79.0351% | 4,308 |
| Equity capital to assets | 20.5693% | 207 |
| Core capital (leverage) ratio | 18.0303% | 328 |
| Tier 1 risk-based capital ratio | 23.9986% | 847 |
| Total risk-based capital ratio | 25.2546% | 827 |
| Memoranda: | ||
| Average total assets | $208,712,000 | 2,801 |
| Average earning assets | $194,366,500 | 2,789 |
| Average equity | $39,127,750 | 1,901 |
| Average total loans | $129,502,750 | 2,905 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4645% | 2,200 |
| Cost of funding earning assets | 0.3760% | 3,906 |
| Net interest margin | 4.0885% | 1,595 |
| Noninterest income to average assets | 0.3965% | 3,511 |
| Noninterest expense to average assets | 2.1951% | 4,381 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5849% | 951 |
| Return on assets (ROA) | 1.5849% | 956 |
| Pretax return on assets | 2.0078% | 597 |
| Return on Equity (ROE) | 8.7221% | 3,158 |
| Retained earnings to average equity (ytd only) | 8.7221% | 1,312 |
| Net charge-offs to loans | -0.4512% | 5,427 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0486% | 4,886 |
| Assets per employee ($millions) | 8.0151% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9063% | 626 |
| Loan loss allowance to noncurrent loans | 334.3958% | 1,510 |
| Noncurrent assets plus other real estate owned to assets | 1.7063% | 717 |
| Noncurrent loans to loans | 0.5701% | 2,708 |
| Net loans and leases to total assets | 64.6628% | 3,322 |
| Net loans and leases to deposits | 81.0086% | 2,854 |
| Net loans and leases to core deposits | 85.0169% | 3,007 |
| Total domestic deposits to total assets | 79.8221% | 4,269 |
| Equity capital to assets | 19.7142% | 239 |
| Core capital (leverage) ratio | 16.2702% | 464 |
| Tier 1 risk-based capital ratio | 22.4045% | 993 |
| Total risk-based capital ratio | 23.6606% | 973 |
| Memoranda: | ||
| Average total assets | $211,375,670 | 2,797 |
| Average earning assets | $196,797,670 | 2,782 |
| Average equity | $38,408,000 | 1,937 |
| Average total loans | $128,108,330 | 2,934 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2163% | 2,833 |
| Cost of funding earning assets | 0.3561% | 3,941 |
| Net interest margin | 3.8602% | 2,195 |
| Noninterest income to average assets | 0.1660% | 5,026 |
| Noninterest expense to average assets | 2.1266% | 4,593 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2929% | 1,667 |
| Return on assets (ROA) | 1.2929% | 1,671 |
| Pretax return on assets | 1.6378% | 1,276 |
| Return on Equity (ROE) | 7.4061% | 3,629 |
| Retained earnings to average equity (ytd only) | 7.4061% | 2,100 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2959% | 4,546 |
| Assets per employee ($millions) | 8.3476% | 552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7825% | 814 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3288% | 1,113 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 56.5878% | 4,070 |
| Net loans and leases to deposits | 69.0662% | 3,868 |
| Net loans and leases to core deposits | 81.5675% | 3,178 |
| Total domestic deposits to total assets | 81.9327% | 3,985 |
| Equity capital to assets | 17.5905% | 348 |
| Core capital (leverage) ratio | 15.3946% | 572 |
| Tier 1 risk-based capital ratio | 22.6440% | 977 |
| Total risk-based capital ratio | 23.8986% | 956 |
| Memoranda: | ||
| Average total assets | $216,874,500 | 2,782 |
| Average earning assets | $202,165,500 | 2,765 |
| Average equity | $37,860,500 | 1,961 |
| Average total loans | $126,118,500 | 2,987 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8089% | 962 |
| Cost of funding earning assets | 0.3296% | 3,880 |
| Net interest margin | 4.4792% | 643 |
| Noninterest income to average assets | 0.1496% | 5,203 |
| Noninterest expense to average assets | 2.5398% | 3,639 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.2613% | 1,323 |
| Return on assets (ROA) | 1.2613% | 1,350 |
| Pretax return on assets | 1.7278% | 943 |
| Return on Equity (ROE) | 6.3809% | 3,584 |
| Retained earnings to average equity (ytd only) | 6.3809% | 1,336 |
| Net charge-offs to loans | -0.3546% | 5,582 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2938% | 4,373 |
| Assets per employee ($millions) | 9.0296% | 446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7525% | 855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.3308% | 1,083 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 57.6630% | 4,037 |
| Net loans and leases to deposits | 70.0915% | 3,868 |
| Net loans and leases to core deposits | 82.2173% | 3,229 |
| Total domestic deposits to total assets | 82.2681% | 3,793 |
| Equity capital to assets | 17.3240% | 370 |
| Core capital (leverage) ratio | 16.7513% | 385 |
| Tier 1 risk-based capital ratio | 21.8625% | 1,037 |
| Total risk-based capital ratio | 23.1169% | 1,013 |
| Memoranda: | ||
| Average total assets | $181,155,400 | 3,098 |
| Average earning assets | $166,546,600 | 3,120 |
| Average equity | $35,810,000 | 2,036 |
| Average total loans | $126,917,000 | 2,964 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0796% | 522 |
| Cost of funding earning assets | 0.3344% | 3,819 |
| Net interest margin | 4.7452% | 378 |
| Noninterest income to average assets | 0.1780% | 5,125 |
| Noninterest expense to average assets | 2.7136% | 3,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1881% | 1,742 |
| Return on assets (ROA) | 1.1881% | 1,780 |
| Pretax return on assets | 1.8026% | 889 |
| Return on Equity (ROE) | 5.7852% | 4,214 |
| Retained earnings to average equity (ytd only) | 5.7852% | 2,382 |
| Net charge-offs to loans | -0.4730% | 5,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8629% | 4,244 |
| Assets per employee ($millions) | 6.7381% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7813% | 884 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.5852% | 937 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 67.5571% | 2,907 |
| Net loans and leases to deposits | 85.4333% | 2,372 |
| Net loans and leases to core deposits | 101.3909% | 1,589 |
| Total domestic deposits to total assets | 79.0759% | 4,516 |
| Equity capital to assets | 20.2453% | 220 |
| Core capital (leverage) ratio | 16.8377% | 399 |
| Tier 1 risk-based capital ratio | 22.1939% | 1,026 |
| Total risk-based capital ratio | 23.4491% | 1,004 |
| Memoranda: | ||
| Average total assets | $172,266,500 | 3,240 |
| Average earning assets | $157,488,750 | 3,263 |
| Average equity | $35,376,750 | 2,063 |
| Average total loans | $126,848,500 | 2,987 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0480% | 521 |
| Cost of funding earning assets | 0.3168% | 3,910 |
| Net interest margin | 4.7312% | 369 |
| Noninterest income to average assets | 0.1834% | 5,134 |
| Noninterest expense to average assets | 2.7354% | 2,967 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1594% | 1,744 |
| Return on assets (ROA) | 1.1594% | 1,786 |
| Pretax return on assets | 1.7593% | 923 |
| Return on Equity (ROE) | 5.6174% | 4,215 |
| Retained earnings to average equity (ytd only) | 5.6174% | 2,338 |
| Net charge-offs to loans | -0.1570% | 5,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6475% | 4,218 |
| Assets per employee ($millions) | 7.1357% | 875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4286% | 1,827 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6167% | 914 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 72.6765% | 2,096 |
| Net loans and leases to deposits | 98.9000% | 820 |
| Net loans and leases to core deposits | 115.9724% | 715 |
| Total domestic deposits to total assets | 73.4848% | 5,332 |
| Equity capital to assets | 20.0654% | 219 |
| Core capital (leverage) ratio | 17.8125% | 308 |
| Tier 1 risk-based capital ratio | 19.9864% | 1,377 |
| Total risk-based capital ratio | 21.2368% | 1,335 |
| Memoranda: | ||
| Average total assets | $169,045,670 | 3,294 |
| Average earning assets | $154,041,000 | 3,321 |
| Average equity | $34,891,670 | 2,081 |
| Average total loans | $127,419,670 | 2,982 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0637% | 474 |
| Cost of funding earning assets | 0.3049% | 3,995 |
| Net interest margin | 4.7588% | 334 |
| Noninterest income to average assets | 0.1825% | 5,180 |
| Noninterest expense to average assets | 2.8107% | 2,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1218% | 1,787 |
| Return on assets (ROA) | 1.1218% | 1,824 |
| Pretax return on assets | 1.7010% | 1,002 |
| Return on Equity (ROE) | 5.3542% | 4,219 |
| Retained earnings to average equity (ytd only) | 5.3542% | 2,701 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.0820% | 4,138 |
| Assets per employee ($millions) | 7.4132% | 784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3981% | 2,086 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6915% | 888 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 73.5860% | 1,807 |
| Net loans and leases to deposits | 105.3415% | 345 |
| Net loans and leases to core deposits | 123.5641% | 372 |
| Total domestic deposits to total assets | 69.8547% | 5,635 |
| Equity capital to assets | 20.4488% | 201 |
| Core capital (leverage) ratio | 17.7886% | 302 |
| Tier 1 risk-based capital ratio | 19.9573% | 1,404 |
| Total risk-based capital ratio | 21.2079% | 1,371 |
| Memoranda: | ||
| Average total assets | $164,372,500 | 3,377 |
| Average earning assets | $149,535,000 | 3,408 |
| Average equity | $34,440,000 | 2,117 |
| Average total loans | $125,365,500 | 3,035 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9843% | 605 |
| Cost of funding earning assets | 0.3015% | 4,048 |
| Net interest margin | 4.6828% | 436 |
| Noninterest income to average assets | 0.3619% | 4,158 |
| Noninterest expense to average assets | 2.8742% | 2,771 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1309% | 1,769 |
| Return on assets (ROA) | 1.1309% | 1,864 |
| Pretax return on assets | 1.7155% | 962 |
| Return on Equity (ROE) | 5.5559% | 4,180 |
| Retained earnings to average equity (ytd only) | 5.5559% | 1,979 |
| Net charge-offs to loans | -0.0822% | 5,526 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3669% | 4,192 |
| Assets per employee ($millions) | 6.3296% | 1,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4407% | 1,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9015% | 755 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 76.9118% | 1,376 |
| Net loans and leases to deposits | 103.2072% | 455 |
| Net loans and leases to core deposits | 125.7397% | 351 |
| Total domestic deposits to total assets | 74.5218% | 5,399 |
| Equity capital to assets | 21.4951% | 164 |
| Core capital (leverage) ratio | 18.0572% | 280 |
| Tier 1 risk-based capital ratio | 20.2297% | 1,335 |
| Total risk-based capital ratio | 21.4814% | 1,312 |
| Memoranda: | ||
| Average total assets | $161,646,600 | 3,380 |
| Average earning assets | $145,937,400 | 3,423 |
| Average equity | $32,902,000 | 2,186 |
| Average total loans | $120,412,800 | 3,063 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9896% | 618 |
| Cost of funding earning assets | 0.2979% | 4,120 |
| Net interest margin | 4.6917% | 437 |
| Noninterest income to average assets | 0.4521% | 3,548 |
| Noninterest expense to average assets | 2.9661% | 2,411 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1282% | 1,883 |
| Return on assets (ROA) | 1.1282% | 1,997 |
| Pretax return on assets | 1.7116% | 1,082 |
| Return on Equity (ROE) | 5.6195% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.6195% | 2,421 |
| Net charge-offs to loans | -0.1103% | 5,608 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1468% | 4,051 |
| Assets per employee ($millions) | 6.2336% | 1,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 1,711 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9308% | 822 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 74.1490% | 1,851 |
| Net loans and leases to deposits | 95.4534% | 1,106 |
| Net loans and leases to core deposits | 113.0534% | 765 |
| Total domestic deposits to total assets | 77.6808% | 4,965 |
| Equity capital to assets | 21.3798% | 188 |
| Core capital (leverage) ratio | 16.6486% | 393 |
| Tier 1 risk-based capital ratio | 20.8163% | 1,304 |
| Total risk-based capital ratio | 22.0689% | 1,280 |
| Memoranda: | ||
| Average total assets | $162,498,000 | 3,386 |
| Average earning assets | $146,355,250 | 3,426 |
| Average equity | $32,624,000 | 2,210 |
| Average total loans | $119,644,750 | 3,083 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9414% | 654 |
| Cost of funding earning assets | 0.2798% | 4,348 |
| Net interest margin | 4.6616% | 447 |
| Noninterest income to average assets | 0.5185% | 3,079 |
| Noninterest expense to average assets | 2.9894% | 2,384 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.1450% | 1,792 |
| Return on assets (ROA) | 1.1450% | 1,908 |
| Pretax return on assets | 1.7375% | 1,008 |
| Return on Equity (ROE) | 5.8223% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.8223% | 2,227 |
| Net charge-offs to loans | -0.1644% | 5,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9848% | 4,181 |
| Assets per employee ($millions) | 6.2696% | 1,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 1,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9197% | 869 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 74.5674% | 1,719 |
| Net loans and leases to deposits | 95.4838% | 1,134 |
| Net loans and leases to core deposits | 104.2837% | 1,293 |
| Total domestic deposits to total assets | 78.0943% | 4,980 |
| Equity capital to assets | 20.9902% | 184 |
| Core capital (leverage) ratio | 16.5292% | 400 |
| Tier 1 risk-based capital ratio | 20.2209% | 1,410 |
| Total risk-based capital ratio | 21.4735% | 1,379 |
| Memoranda: | ||
| Average total assets | $164,717,670 | 3,381 |
| Average earning assets | $148,703,000 | 3,422 |
| Average equity | $32,392,670 | 2,225 |
| Average total loans | $120,415,670 | 3,072 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7366% | 979 |
| Cost of funding earning assets | 0.2697% | 4,501 |
| Net interest margin | 4.4669% | 652 |
| Noninterest income to average assets | 0.7611% | 1,769 |
| Noninterest expense to average assets | 2.9756% | 2,465 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2045% | 1,541 |
| Return on assets (ROA) | 1.2045% | 1,645 |
| Pretax return on assets | 1.8304% | 806 |
| Return on Equity (ROE) | 6.3225% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.3225% | 2,224 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6675% | 4,494 |
| Assets per employee ($millions) | 6.3769% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4272% | 2,305 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.8148% | 1,014 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 69.9829% | 2,346 |
| Net loans and leases to deposits | 99.1981% | 676 |
| Net loans and leases to core deposits | 109.1553% | 894 |
| Total domestic deposits to total assets | 70.5487% | 5,846 |
| Equity capital to assets | 19.5490% | 230 |
| Core capital (leverage) ratio | 15.8874% | 488 |
| Tier 1 risk-based capital ratio | 19.7250% | 1,565 |
| Total risk-based capital ratio | 20.9757% | 1,528 |
| Memoranda: | ||
| Average total assets | $168,706,500 | 3,344 |
| Average earning assets | $152,766,500 | 3,378 |
| Average equity | $32,139,000 | 2,239 |
| Average total loans | $121,295,500 | 3,067 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5944% | 1,349 |
| Cost of funding earning assets | 0.1968% | 5,311 |
| Net interest margin | 4.3976% | 795 |
| Noninterest income to average assets | 1.1886% | 848 |
| Noninterest expense to average assets | 3.1166% | 2,180 |
| Loan and lease loss provision to assets | 0.3080% | 548 |
| Net operating income to assets | 1.1767% | 1,641 |
| Return on assets (ROA) | 1.1767% | 1,718 |
| Pretax return on assets | 1.6909% | 1,020 |
| Return on Equity (ROE) | 6.4019% | 3,841 |
| Retained earnings to average equity (ytd only) | 6.4019% | 1,600 |
| Net charge-offs to loans | 0.0188% | 3,898 |
| Credit loss provision to net charge-offs | 2,350.0000% | 147 |
| Earnings coverage of net charge-offs (x) | 152.5000% | 417 |
| Efficiency ratio | 60.6452% | 4,809 |
| Assets per employee ($millions) | 6.3561% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 2,684 |
| Loan loss allowance to noncurrent loans | 489.7959% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 1.7534% | 1,089 |
| Noncurrent loans to loans | 0.2747% | 4,473 |
| Net loans and leases to total assets | 71.7890% | 2,090 |
| Net loans and leases to deposits | 95.9218% | 1,018 |
| Net loans and leases to core deposits | 107.9083% | 977 |
| Total domestic deposits to total assets | 74.8412% | 5,567 |
| Equity capital to assets | 18.5684% | 272 |
| Core capital (leverage) ratio | 15.9265% | 473 |
| Tier 1 risk-based capital ratio | 18.8117% | 1,742 |
| Total risk-based capital ratio | 20.0616% | 1,706 |
| Memoranda: | ||
| Average total assets | $167,843,200 | 3,335 |
| Average earning assets | $149,877,200 | 3,408 |
| Average equity | $30,850,200 | 2,258 |
| Average total loans | $116,972,800 | 3,094 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5888% | 1,356 |
| Cost of funding earning assets | 0.1922% | 5,446 |
| Net interest margin | 4.3966% | 802 |
| Noninterest income to average assets | 1.4715% | 567 |
| Noninterest expense to average assets | 3.2258% | 1,895 |
| Loan and lease loss provision to assets | 0.4130% | 285 |
| Net operating income to assets | 1.2326% | 1,547 |
| Return on assets (ROA) | 1.2326% | 1,603 |
| Pretax return on assets | 1.7439% | 1,005 |
| Return on Equity (ROE) | 6.7240% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.7240% | 1,824 |
| Net charge-offs to loans | 0.0371% | 3,160 |
| Credit loss provision to net charge-offs | 1,615.6250% | 223 |
| Earnings coverage of net charge-offs (x) | 84.3663% | 714 |
| Efficiency ratio | 59.6468% | 4,927 |
| Assets per employee ($millions) | 5.6206% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 2,525 |
| Loan loss allowance to noncurrent loans | 89.0667% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 3.0170% | 500 |
| Noncurrent loans to loans | 1.5897% | 1,563 |
| Net loans and leases to total assets | 73.8829% | 1,756 |
| Net loans and leases to deposits | 96.8482% | 920 |
| Net loans and leases to core deposits | 107.7339% | 994 |
| Total domestic deposits to total assets | 76.2874% | 5,444 |
| Equity capital to assets | 19.8556% | 243 |
| Core capital (leverage) ratio | 15.4709% | 559 |
| Tier 1 risk-based capital ratio | 19.0392% | 1,766 |
| Total risk-based capital ratio | 20.2896% | 1,732 |
| Memoranda: | ||
| Average total assets | $166,900,500 | 3,386 |
| Average earning assets | $148,473,250 | 3,459 |
| Average equity | $30,596,250 | 2,290 |
| Average total loans | $114,996,000 | 3,151 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4256% | 1,770 |
| Cost of funding earning assets | 0.1891% | 5,536 |
| Net interest margin | 4.2365% | 1,033 |
| Noninterest income to average assets | 1.8262% | 420 |
| Noninterest expense to average assets | 3.2315% | 1,893 |
| Loan and lease loss provision to assets | 0.4669% | 222 |
| Net operating income to assets | 1.3712% | 1,145 |
| Return on assets (ROA) | 1.3712% | 1,190 |
| Pretax return on assets | 1.8945% | 740 |
| Return on Equity (ROE) | 7.6764% | 3,220 |
| Retained earnings to average equity (ytd only) | 7.6764% | 1,397 |
| Net charge-offs to loans | 0.0877% | 2,159 |
| Credit loss provision to net charge-offs | 794.0000% | 433 |
| Earnings coverage of net charge-offs (x) | 40.1600% | 1,127 |
| Efficiency ratio | 57.5063% | 5,277 |
| Assets per employee ($millions) | 6.2371% | 1,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 3,479 |
| Loan loss allowance to noncurrent loans | 80.2514% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 2.8396% | 610 |
| Noncurrent loans to loans | 1.5645% | 1,688 |
| Net loans and leases to total assets | 71.5455% | 2,066 |
| Net loans and leases to deposits | 88.1853% | 1,813 |
| Net loans and leases to core deposits | 100.5525% | 1,443 |
| Total domestic deposits to total assets | 81.1309% | 4,576 |
| Equity capital to assets | 18.3175% | 308 |
| Core capital (leverage) ratio | 15.3549% | 568 |
| Tier 1 risk-based capital ratio | 18.0841% | 2,044 |
| Total risk-based capital ratio | 19.2479% | 2,021 |
| Memoranda: | ||
| Average total assets | $170,075,330 | 3,343 |
| Average earning assets | $151,210,330 | 3,432 |
| Average equity | $30,379,000 | 2,312 |
| Average total loans | $114,013,330 | 3,178 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3418% | 1,964 |
| Cost of funding earning assets | 0.2049% | 5,466 |
| Net interest margin | 4.1369% | 1,190 |
| Noninterest income to average assets | 2.2257% | 316 |
| Noninterest expense to average assets | 3.1782% | 2,036 |
| Loan and lease loss provision to assets | 0.0819% | 2,335 |
| Net operating income to assets | 1.9917% | 347 |
| Return on assets (ROA) | 1.9917% | 362 |
| Pretax return on assets | 2.6517% | 197 |
| Return on Equity (ROE) | 11.2921% | 1,556 |
| Retained earnings to average equity (ytd only) | 11.2921% | 675 |
| Net charge-offs to loans | -0.0545% | 5,557 |
| Credit loss provision to net charge-offs | -233.3333% | 4,651 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5234% | 5,718 |
| Assets per employee ($millions) | 5.4927% | 1,799 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 4,531 |
| Loan loss allowance to noncurrent loans | 61.9669% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 2.9530% | 646 |
| Noncurrent loans to loans | 1.7732% | 1,536 |
| Net loans and leases to total assets | 67.4598% | 2,536 |
| Net loans and leases to deposits | 83.3497% | 2,160 |
| Net loans and leases to core deposits | 96.2825% | 1,595 |
| Total domestic deposits to total assets | 80.9359% | 4,837 |
| Equity capital to assets | 18.5495% | 290 |
| Core capital (leverage) ratio | 14.7674% | 644 |
| Tier 1 risk-based capital ratio | 19.6730% | 1,696 |
| Total risk-based capital ratio | 20.6970% | 1,708 |
| Memoranda: | ||
| Average total assets | $170,912,000 | 3,343 |
| Average earning assets | $152,287,500 | 3,427 |
| Average equity | $30,145,000 | 2,338 |
| Average total loans | $110,012,000 | 3,259 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7527% | 1,202 |
| Cost of funding earning assets | 0.2963% | 4,828 |
| Net interest margin | 4.4564% | 805 |
| Noninterest income to average assets | 1.7287% | 432 |
| Noninterest expense to average assets | 3.5967% | 1,315 |
| Loan and lease loss provision to assets | 0.2448% | 943 |
| Net operating income to assets | 1.7625% | 510 |
| Return on assets (ROA) | 1.7625% | 522 |
| Pretax return on assets | 1.7625% | 861 |
| Return on Equity (ROE) | 10.0198% | 2,112 |
| Retained earnings to average equity (ytd only) | 10.0198% | 514 |
| Net charge-offs to loans | -0.0625% | 6,001 |
| Credit loss provision to net charge-offs | -598.4375% | 5,819 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8261% | 4,615 |
| Assets per employee ($millions) | 6.1049% | 1,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1010% | 4,533 |
| Loan loss allowance to noncurrent loans | 58.2882% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 4.2024% | 390 |
| Noncurrent loans to loans | 1.8889% | 1,493 |
| Net loans and leases to total assets | 60.1227% | 3,774 |
| Net loans and leases to deposits | 72.4827% | 3,622 |
| Net loans and leases to core deposits | 82.8163% | 3,016 |
| Total domestic deposits to total assets | 82.9476% | 4,096 |
| Equity capital to assets | 16.7891% | 441 |
| Core capital (leverage) ratio | 13.7340% | 888 |
| Tier 1 risk-based capital ratio | 19.7974% | 1,640 |
| Total risk-based capital ratio | 20.8267% | 1,662 |
| Memoranda: | ||
| Average total assets | $156,422,600 | 3,546 |
| Average earning assets | $136,027,800 | 3,659 |
| Average equity | $27,515,600 | 2,447 |
| Average total loans | $102,427,800 | 3,367 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9311% | 872 |
| Cost of funding earning assets | 0.3162% | 4,717 |
| Net interest margin | 4.6149% | 599 |
| Noninterest income to average assets | 1.5160% | 544 |
| Noninterest expense to average assets | 3.7020% | 1,118 |
| Loan and lease loss provision to assets | 0.2494% | 866 |
| Net operating income to assets | 1.5531% | 836 |
| Return on assets (ROA) | 1.5531% | 868 |
| Pretax return on assets | 1.5531% | 1,473 |
| Return on Equity (ROE) | 8.7128% | 2,831 |
| Retained earnings to average equity (ytd only) | 8.7128% | 1,090 |
| Net charge-offs to loans | -0.0633% | 6,001 |
| Credit loss provision to net charge-offs | -589.5833% | 5,783 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.8695% | 4,067 |
| Assets per employee ($millions) | 6.0456% | 1,304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 5,203 |
| Loan loss allowance to noncurrent loans | 51.5181% | 5,094 |
| Noncurrent assets plus other real estate owned to assets | 4.9203% | 356 |
| Noncurrent loans to loans | 1.9470% | 1,638 |
| Net loans and leases to total assets | 62.3274% | 3,435 |
| Net loans and leases to deposits | 75.3168% | 3,270 |
| Net loans and leases to core deposits | 86.4619% | 2,617 |
| Total domestic deposits to total assets | 82.7537% | 4,220 |
| Equity capital to assets | 16.9220% | 437 |
| Core capital (leverage) ratio | 13.5058% | 995 |
| Tier 1 risk-based capital ratio | 18.9042% | 1,927 |
| Total risk-based capital ratio | 19.8288% | 1,992 |
| Memoranda: | ||
| Average total assets | $151,267,500 | 3,638 |
| Average earning assets | $130,732,500 | 3,774 |
| Average equity | $26,963,500 | 2,492 |
| Average total loans | $101,127,750 | 3,426 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0427% | 692 |
| Cost of funding earning assets | 0.3229% | 4,725 |
| Net interest margin | 4.7198% | 466 |
| Noninterest income to average assets | 1.6274% | 481 |
| Noninterest expense to average assets | 3.8784% | 876 |
| Loan and lease loss provision to assets | 0.3896% | 434 |
| Net operating income to assets | 1.4043% | 1,049 |
| Return on assets (ROA) | 1.4043% | 1,090 |
| Pretax return on assets | 1.4043% | 1,876 |
| Return on Equity (ROE) | 7.7264% | 3,246 |
| Retained earnings to average equity (ytd only) | 7.7264% | 1,420 |
| Net charge-offs to loans | -0.0644% | 5,985 |
| Credit loss provision to net charge-offs | -884.3750% | 5,697 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9854% | 4,014 |
| Assets per employee ($millions) | 6.1708% | 1,189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0548% | 5,095 |
| Loan loss allowance to noncurrent loans | 49.7402% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 5.2385% | 329 |
| Noncurrent loans to loans | 2.1206% | 1,563 |
| Net loans and leases to total assets | 59.2872% | 3,821 |
| Net loans and leases to deposits | 73.3141% | 3,414 |
| Net loans and leases to core deposits | 83.8453% | 2,756 |
| Total domestic deposits to total assets | 80.8674% | 5,023 |
| Equity capital to assets | 16.4899% | 481 |
| Core capital (leverage) ratio | 14.0782% | 808 |
| Tier 1 risk-based capital ratio | 18.8149% | 1,967 |
| Total risk-based capital ratio | 19.7704% | 2,015 |
| Memoranda: | ||
| Average total assets | $145,264,330 | 3,758 |
| Average earning assets | $124,496,000 | 3,922 |
| Average equity | $26,403,000 | 2,534 |
| Average total loans | $99,312,000 | 3,467 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5333% | 277 |
| Cost of funding earning assets | 0.3286% | 4,753 |
| Net interest margin | 5.2047% | 182 |
| Noninterest income to average assets | 1.3820% | 609 |
| Noninterest expense to average assets | 4.1697% | 628 |
| Loan and lease loss provision to assets | 0.8411% | 139 |
| Net operating income to assets | 0.7965% | 3,169 |
| Return on assets (ROA) | 0.7965% | 3,247 |
| Pretax return on assets | 0.7965% | 4,127 |
| Return on Equity (ROE) | 4.1442% | 4,967 |
| Retained earnings to average equity (ytd only) | 4.1442% | 3,645 |
| Net charge-offs to loans | -0.0646% | 5,926 |
| Credit loss provision to net charge-offs | -1,768.7500% | 5,449 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3920% | 3,595 |
| Assets per employee ($millions) | 5.7180% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0201% | 5,443 |
| Loan loss allowance to noncurrent loans | 48.0093% | 5,265 |
| Noncurrent assets plus other real estate owned to assets | 6.2343% | 266 |
| Noncurrent loans to loans | 2.1249% | 1,727 |
| Net loans and leases to total assets | 70.3857% | 1,818 |
| Net loans and leases to deposits | 90.0843% | 1,137 |
| Net loans and leases to core deposits | 104.6883% | 818 |
| Total domestic deposits to total assets | 78.1331% | 5,817 |
| Equity capital to assets | 18.6490% | 277 |
| Core capital (leverage) ratio | 15.5553% | 530 |
| Tier 1 risk-based capital ratio | 17.7124% | 2,406 |
| Total risk-based capital ratio | 18.6457% | 2,487 |
| Memoranda: | ||
| Average total assets | $134,591,000 | 3,985 |
| Average earning assets | $114,434,500 | 4,170 |
| Average equity | $25,867,500 | 2,565 |
| Average total loans | $99,052,000 | 3,490 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2215% | 609 |
| Cost of funding earning assets | 0.3616% | 5,034 |
| Net interest margin | 4.8599% | 387 |
| Noninterest income to average assets | 1.4325% | 680 |
| Noninterest expense to average assets | 4.2013% | 698 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.2647% | 1,349 |
| Return on assets (ROA) | 1.2647% | 1,406 |
| Pretax return on assets | 1.2647% | 2,298 |
| Return on Equity (ROE) | 6.5563% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.5563% | 1,650 |
| Net charge-offs to loans | 0.4313% | 1,542 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 4.1667% | 3,650 |
| Efficiency ratio | 76.2764% | 2,729 |
| Assets per employee ($millions) | 4.5083% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7652% | 6,241 |
| Loan loss allowance to noncurrent loans | 193.1937% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 5.6872% | 355 |
| Noncurrent loans to loans | 0.3961% | 5,019 |
| Net loans and leases to total assets | 75.8229% | 1,102 |
| Net loans and leases to deposits | 99.0643% | 532 |
| Net loans and leases to core deposits | 101.7001% | 1,047 |
| Total domestic deposits to total assets | 76.5390% | 6,046 |
| Equity capital to assets | 19.8652% | 216 |
| Core capital (leverage) ratio | 15.4544% | 550 |
| Tier 1 risk-based capital ratio | 16.9400% | 2,635 |
| Total risk-based capital ratio | 17.6283% | 2,871 |
| Memoranda: | ||
| Average total assets | $118,606,400 | 4,301 |
| Average earning assets | $98,439,000 | 4,555 |
| Average equity | $22,878,800 | 2,837 |
| Average total loans | $83,466,200 | 3,839 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 879 |
| Cost of funding earning assets | 0.3774% | 5,024 |
| Net interest margin | 4.6546% | 561 |
| Noninterest income to average assets | 1.5949% | 574 |
| Noninterest expense to average assets | 4.1873% | 695 |
| Loan and lease loss provision to assets | 0.0274% | 4,460 |
| Net operating income to assets | 0.8272% | 3,217 |
| Return on assets (ROA) | 0.8272% | 3,333 |
| Pretax return on assets | 1.2270% | 2,592 |
| Return on Equity (ROE) | 4.3230% | 5,064 |
| Retained earnings to average equity (ytd only) | 4.3230% | 3,600 |
| Net charge-offs to loans | 0.6432% | 952 |
| Credit loss provision to net charge-offs | 6.2016% | 4,268 |
| Earnings coverage of net charge-offs (x) | 2.8372% | 3,884 |
| Efficiency ratio | 76.3384% | 2,676 |
| Assets per employee ($millions) | 4.7524% | 2,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8156% | 6,248 |
| Loan loss allowance to noncurrent loans | 188.4615% | 2,101 |
| Noncurrent assets plus other real estate owned to assets | 6.2099% | 368 |
| Noncurrent loans to loans | 0.4328% | 5,115 |
| Net loans and leases to total assets | 75.2270% | 1,110 |
| Net loans and leases to deposits | 99.3829% | 494 |
| Net loans and leases to core deposits | 102.2234% | 982 |
| Total domestic deposits to total assets | 75.6942% | 6,203 |
| Equity capital to assets | 20.3676% | 195 |
| Core capital (leverage) ratio | 15.1816% | 610 |
| Tier 1 risk-based capital ratio | 17.2746% | 2,593 |
| Total risk-based capital ratio | 18.0117% | 2,777 |
| Memoranda: | ||
| Average total assets | $116,700,250 | 4,391 |
| Average earning assets | $96,447,500 | 4,658 |
| Average equity | $22,329,500 | 2,924 |
| Average total loans | $80,220,250 | 3,964 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8523% | 1,214 |
| Cost of funding earning assets | 0.3840% | 5,094 |
| Net interest margin | 4.4683% | 755 |
| Noninterest income to average assets | 1.7000% | 570 |
| Noninterest expense to average assets | 4.2415% | 662 |
| Loan and lease loss provision to assets | 0.0414% | 4,125 |
| Net operating income to assets | 0.7500% | 3,567 |
| Return on assets (ROA) | 0.7500% | 3,722 |
| Pretax return on assets | 1.1087% | 3,061 |
| Return on Equity (ROE) | 4.0080% | 5,214 |
| Retained earnings to average equity (ytd only) | 4.0080% | 3,745 |
| Net charge-offs to loans | 0.5642% | 1,169 |
| Credit loss provision to net charge-offs | 11.0599% | 3,885 |
| Earnings coverage of net charge-offs (x) | 3.0737% | 3,504 |
| Efficiency ratio | 77.9981% | 2,453 |
| Assets per employee ($millions) | 5.4180% | 1,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0542% | 5,613 |
| Loan loss allowance to noncurrent loans | 153.9116% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 6.6446% | 362 |
| Noncurrent loans to loans | 0.6850% | 4,568 |
| Net loans and leases to total assets | 71.2614% | 1,681 |
| Net loans and leases to deposits | 92.8651% | 890 |
| Net loans and leases to core deposits | 95.8193% | 1,372 |
| Total domestic deposits to total assets | 76.7364% | 6,167 |
| Equity capital to assets | 19.4882% | 232 |
| Core capital (leverage) ratio | 14.9130% | 630 |
| Tier 1 risk-based capital ratio | 17.2241% | 2,630 |
| Total risk-based capital ratio | 18.1749% | 2,711 |
| Memoranda: | ||
| Average total assets | $115,996,670 | 4,441 |
| Average earning assets | $95,831,000 | 4,701 |
| Average equity | $21,706,330 | 3,019 |
| Average total loans | $76,922,670 | 4,072 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6575% | 1,656 |
| Cost of funding earning assets | 0.3948% | 5,156 |
| Net interest margin | 4.2627% | 1,040 |
| Noninterest income to average assets | 1.0874% | 1,246 |
| Noninterest expense to average assets | 4.3707% | 594 |
| Loan and lease loss provision to assets | 0.0839% | 3,252 |
| Net operating income to assets | 0.1119% | 6,123 |
| Return on assets (ROA) | 0.1119% | 6,218 |
| Pretax return on assets | 0.1434% | 6,185 |
| Return on Equity (ROE) | 0.6111% | 6,306 |
| Retained earnings to average equity (ytd only) | 0.6111% | 5,584 |
| Net charge-offs to loans | 1.1592% | 508 |
| Credit loss provision to net charge-offs | 11.4286% | 3,130 |
| Earnings coverage of net charge-offs (x) | 0.3095% | 3,707 |
| Efficiency ratio | 94.2966% | 812 |
| Assets per employee ($millions) | 5.1921% | 1,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2587% | 4,903 |
| Loan loss allowance to noncurrent loans | 35.8632% | 5,790 |
| Noncurrent assets plus other real estate owned to assets | 8.9148% | 255 |
| Noncurrent loans to loans | 3.5097% | 1,365 |
| Net loans and leases to total assets | 62.6337% | 2,947 |
| Net loans and leases to deposits | 80.7613% | 1,976 |
| Net loans and leases to core deposits | 83.1375% | 2,442 |
| Total domestic deposits to total assets | 77.5541% | 6,179 |
| Equity capital to assets | 18.3557% | 310 |
| Core capital (leverage) ratio | 13.1384% | 1,059 |
| Tier 1 risk-based capital ratio | 17.1449% | 2,692 |
| Total risk-based capital ratio | 18.2501% | 2,725 |
| Memoranda: | ||
| Average total assets | $114,397,500 | 4,516 |
| Average earning assets | $94,213,500 | 4,796 |
| Average equity | $20,945,000 | 3,138 |
| Average total loans | $72,461,500 | 4,252 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3992% | 759 |
| Cost of funding earning assets | 0.4591% | 5,508 |
| Net interest margin | 4.9401% | 419 |
| Noninterest income to average assets | 1.2057% | 1,084 |
| Noninterest expense to average assets | 3.7584% | 1,316 |
| Loan and lease loss provision to assets | 0.9307% | 472 |
| Net operating income to assets | 0.3929% | 5,132 |
| Return on assets (ROA) | 0.3929% | 5,369 |
| Pretax return on assets | 0.5528% | 5,124 |
| Return on Equity (ROE) | 2.1379% | 5,860 |
| Retained earnings to average equity (ytd only) | 2.1379% | 4,727 |
| Net charge-offs to loans | 0.0151% | 5,697 |
| Credit loss provision to net charge-offs | 9,950.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 158.6000% | 263 |
| Efficiency ratio | 70.8244% | 3,650 |
| Assets per employee ($millions) | 5.7285% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5152% | 3,684 |
| Loan loss allowance to noncurrent loans | 28.9939% | 6,101 |
| Noncurrent assets plus other real estate owned to assets | 10.9323% | 184 |
| Noncurrent loans to loans | 5.2258% | 739 |
| Net loans and leases to total assets | 62.2935% | 3,209 |
| Net loans and leases to deposits | 79.9402% | 2,291 |
| Net loans and leases to core deposits | 82.0324% | 2,769 |
| Total domestic deposits to total assets | 77.9251% | 6,095 |
| Equity capital to assets | 18.2624% | 308 |
| Core capital (leverage) ratio | 13.4750% | 957 |
| Tier 1 risk-based capital ratio | 16.9776% | 2,664 |
| Total risk-based capital ratio | 18.2276% | 2,630 |
| Memoranda: | ||
| Average total assets | $106,908,000 | 4,657 |
| Average earning assets | $87,346,200 | 4,929 |
| Average equity | $19,645,000 | 3,237 |
| Average total loans | $66,149,800 | 4,497 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6459% | 516 |
| Cost of funding earning assets | 0.4746% | 5,596 |
| Net interest margin | 5.1713% | 305 |
| Noninterest income to average assets | 1.3613% | 803 |
| Noninterest expense to average assets | 3.8287% | 1,161 |
| Loan and lease loss provision to assets | 0.3226% | 2,041 |
| Net operating income to assets | 0.9727% | 2,645 |
| Return on assets (ROA) | 0.9727% | 2,868 |
| Pretax return on assets | 1.4299% | 2,144 |
| Return on Equity (ROE) | 5.2848% | 4,695 |
| Retained earnings to average equity (ytd only) | 5.2848% | 3,169 |
| Net charge-offs to loans | 0.0206% | 5,381 |
| Credit loss provision to net charge-offs | 2,540.0000% | 107 |
| Earnings coverage of net charge-offs (x) | 138.0308% | 322 |
| Efficiency ratio | 67.7361% | 4,116 |
| Assets per employee ($millions) | 5.8908% | 1,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5052% | 6,949 |
| Loan loss allowance to noncurrent loans | 9.3382% | 6,654 |
| Noncurrent assets plus other real estate owned to assets | 9.4545% | 273 |
| Noncurrent loans to loans | 5.4100% | 800 |
| Net loans and leases to total assets | 66.3080% | 2,595 |
| Net loans and leases to deposits | 87.5666% | 1,405 |
| Net loans and leases to core deposits | 90.4249% | 1,932 |
| Total domestic deposits to total assets | 75.7229% | 6,426 |
| Equity capital to assets | 19.7333% | 247 |
| Core capital (leverage) ratio | 13.8866% | 870 |
| Tier 1 risk-based capital ratio | 17.7371% | 2,449 |
| Total risk-based capital ratio | 18.1950% | 2,722 |
| Memoranda: | ||
| Average total assets | $104,992,750 | 4,751 |
| Average earning assets | $85,676,750 | 5,029 |
| Average equity | $19,325,500 | 3,314 |
| Average total loans | $64,570,500 | 4,601 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3838% | 899 |
| Cost of funding earning assets | 0.4801% | 5,756 |
| Net interest margin | 4.9037% | 469 |
| Noninterest income to average assets | 0.6747% | 2,805 |
| Noninterest expense to average assets | 3.9142% | 1,055 |
| Loan and lease loss provision to assets | 0.0478% | 5,080 |
| Net operating income to assets | 0.5007% | 4,816 |
| Return on assets (ROA) | 0.5007% | 5,071 |
| Pretax return on assets | 0.7148% | 4,785 |
| Return on Equity (ROE) | 2.7883% | 5,770 |
| Retained earnings to average equity (ytd only) | 2.7883% | 4,766 |
| Net charge-offs to loans | 0.0320% | 4,928 |
| Credit loss provision to net charge-offs | 250.0000% | 1,149 |
| Earnings coverage of net charge-offs (x) | 39.9000% | 877 |
| Efficiency ratio | 82.5909% | 1,801 |
| Assets per employee ($millions) | 5.5133% | 1,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1858% | 7,148 |
| Loan loss allowance to noncurrent loans | 2.8861% | 6,727 |
| Noncurrent assets plus other real estate owned to assets | 10.9238% | 216 |
| Noncurrent loans to loans | 6.4369% | 654 |
| Net loans and leases to total assets | 65.6516% | 2,742 |
| Net loans and leases to deposits | 85.8952% | 1,612 |
| Net loans and leases to core deposits | 88.6980% | 2,127 |
| Total domestic deposits to total assets | 76.4322% | 6,405 |
| Equity capital to assets | 19.0906% | 273 |
| Core capital (leverage) ratio | 12.7856% | 1,226 |
| Tier 1 risk-based capital ratio | 16.8980% | 2,717 |
| Total risk-based capital ratio | 17.0730% | 3,229 |
| Memoranda: | ||
| Average total assets | $104,645,670 | 4,785 |
| Average earning assets | $85,404,330 | 5,065 |
| Average equity | $18,792,670 | 3,381 |
| Average total loans | $62,538,670 | 4,691 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3735% | 952 |
| Cost of funding earning assets | 0.4821% | 5,929 |
| Net interest margin | 4.8914% | 477 |
| Noninterest income to average assets | 1.0173% | 1,380 |
| Noninterest expense to average assets | 3.7364% | 1,323 |
| Loan and lease loss provision to assets | 0.0956% | 4,157 |
| Net operating income to assets | 0.7840% | 3,454 |
| Return on assets (ROA) | 0.7840% | 3,696 |
| Pretax return on assets | 1.1435% | 3,145 |
| Return on Equity (ROE) | 4.5080% | 5,041 |
| Retained earnings to average equity (ytd only) | 4.5080% | 3,882 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0968% | 3,088 |
| Assets per employee ($millions) | 5.3462% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2068% | 7,203 |
| Loan loss allowance to noncurrent loans | 1.7201% | 6,795 |
| Noncurrent assets plus other real estate owned to assets | 11.6532% | 219 |
| Noncurrent loans to loans | 12.0249% | 203 |
| Net loans and leases to total assets | 62.2710% | 3,203 |
| Net loans and leases to deposits | 80.8201% | 2,081 |
| Net loans and leases to core deposits | 84.6475% | 2,456 |
| Total domestic deposits to total assets | 77.0489% | 6,399 |
| Equity capital to assets | 18.6050% | 302 |
| Core capital (leverage) ratio | 13.6358% | 895 |
| Tier 1 risk-based capital ratio | 18.0472% | 2,273 |
| Total risk-based capital ratio | 18.2488% | 2,642 |
| Memoranda: | ||
| Average total assets | $104,592,000 | 4,821 |
| Average earning assets | $84,638,000 | 5,123 |
| Average equity | $18,190,000 | 3,466 |
| Average total loans | $59,358,000 | 4,843 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9875% | 7,286 |
| Cost of funding earning assets | 0.1650% | 7,268 |
| Net interest margin | 1.8224% | 7,254 |
| Noninterest income to average assets | 0.1318% | 6,499 |
| Noninterest expense to average assets | 1.3415% | 7,229 |
| Loan and lease loss provision to assets | 0.1146% | 5,165 |
| Net operating income to assets | 0.1693% | 5,676 |
| Return on assets (ROA) | 0.1693% | 5,821 |
| Pretax return on assets | 0.2099% | 5,759 |
| Return on Equity (ROE) | 1.6211% | 5,805 |
| Retained earnings to average equity (ytd only) | 1.6211% | 5,059 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1844% | 2,414 |
| Assets per employee ($millions) | 6.3913% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2173% | 7,253 |
| Loan loss allowance to noncurrent loans | 1.4426% | 6,862 |
| Noncurrent assets plus other real estate owned to assets | 15.6130% | 101 |
| Noncurrent loans to loans | 15.0646% | 128 |
| Net loans and leases to total assets | 50.7359% | 5,494 |
| Net loans and leases to deposits | 63.9268% | 5,024 |
| Net loans and leases to core deposits | 66.7795% | 5,180 |
| Total domestic deposits to total assets | 79.3655% | 5,903 |
| Equity capital to assets | 16.1225% | 564 |
| Core capital (leverage) ratio | 11.0949% | 2,197 |
| Tier 1 risk-based capital ratio | 15.6745% | 3,225 |
| Total risk-based capital ratio | 15.8706% | 3,862 |
| Memoranda: | ||
| Average total assets | $98,622,600 | 4,927 |
| Average earning assets | $83,020,200 | 5,143 |
| Average equity | $10,301,400 | 4,943 |
| Average total loans | $61,859,600 | 4,798 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8099% | 7,412 |
| Cost of funding earning assets | 0.0891% | 7,388 |
| Net interest margin | 0.7208% | 7,405 |
| Noninterest income to average assets | 0.0532% | 6,945 |
| Noninterest expense to average assets | 0.7546% | 7,395 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.0832% | 6,265 |
| Return on assets (ROA) | -0.0832% | 6,353 |
| Pretax return on assets | -0.0832% | 6,320 |
| Return on Equity (ROE) | -0.9290% | 6,372 |
| Retained earnings to average equity (ytd only) | -0.9290% | 6,145 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.3984% | 388 |
| Assets per employee ($millions) | 7.4727% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 9.4374% | 396 |
| Noncurrent loans to loans | 5.6152% | 1,044 |
| Net loans and leases to total assets | 54.9961% | 4,999 |
| Net loans and leases to deposits | 69.7914% | 4,332 |
| Net loans and leases to core deposits | 73.0912% | 4,574 |
| Total domestic deposits to total assets | 78.8008% | 6,025 |
| Equity capital to assets | 16.2870% | 583 |
| Core capital (leverage) ratio | 12.3000% | 1,535 |
| Tier 1 risk-based capital ratio | 20.4323% | 1,579 |
| Total risk-based capital ratio | 20.4991% | 1,837 |
| Memoranda: | ||
| Average total assets | $97,713,000 | 4,988 |
| Average earning assets | $83,797,000 | 5,164 |
| Average equity | $8,755,000 | 5,371 |
| Average total loans | $64,325,500 | 4,736 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1329% | 6,416 |
| Cost of funding earning assets | 1.1347% | 3,011 |
| Net interest margin | 2.9982% | 6,614 |
| Noninterest income to average assets | -8.3062% | 7,512 |
| Noninterest expense to average assets | 4.8375% | 418 |
| Loan and lease loss provision to assets | 5.3216% | 41 |
| Net operating income to assets | -15.8852% | 7,511 |
| Return on assets (ROA) | -15.8852% | 7,511 |
| Pretax return on assets | -15.8852% | 7,511 |
| Return on Equity (ROE) | -243.0254% | 7,495 |
| Retained earnings to average equity (ytd only) | -243.0254% | 7,495 |
| Net charge-offs to loans | 12.4340% | 9 |
| Credit loss provision to net charge-offs | 61.6568% | 4,303 |
| Earnings coverage of net charge-offs (x) | -1.2239% | 5,662 |
| Efficiency ratio | -84.4809% | 7,506 |
| Assets per employee ($millions) | 5.6429% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3941% | 304 |
| Loan loss allowance to noncurrent loans | 21.4456% | 6,672 |
| Noncurrent assets plus other real estate owned to assets | 21.1703% | 52 |
| Noncurrent loans to loans | 20.4895% | 57 |
| Net loans and leases to total assets | 67.0661% | 2,811 |
| Net loans and leases to deposits | 72.6845% | 4,007 |
| Net loans and leases to core deposits | 76.5377% | 4,245 |
| Total domestic deposits to total assets | 92.2702% | 187 |
| Equity capital to assets | 2.5519% | 7,449 |
| Core capital (leverage) ratio | 2.3474% | 7,460 |
| Tier 1 risk-based capital ratio | 3.3605% | 7,453 |
| Total risk-based capital ratio | 4.6461% | 7,454 |
| Memoranda: | ||
| Average total assets | $97,902,330 | 5,027 |
| Average earning assets | $84,251,000 | 5,187 |
| Average equity | $6,399,330 | 6,116 |
| Average total loans | $67,958,670 | 4,644 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9289% | 6,789 |
| Cost of funding earning assets | 1.1245% | 3,334 |
| Net interest margin | 2.8044% | 6,899 |
| Noninterest income to average assets | -0.2124% | 7,437 |
| Noninterest expense to average assets | 4.1766% | 839 |
| Loan and lease loss provision to assets | 10.2448% | 10 |
| Net operating income to assets | -12.2309% | 7,566 |
| Return on assets (ROA) | -12.2309% | 7,566 |
| Pretax return on assets | -12.2309% | 7,562 |
| Return on Equity (ROE) | -147.2712% | 7,522 |
| Retained earnings to average equity (ytd only) | -147.2712% | 7,517 |
| Net charge-offs to loans | 22.5016% | 3 |
| Credit loss provision to net charge-offs | 65.8993% | 3,439 |
| Earnings coverage of net charge-offs (x) | -0.1278% | 4,660 |
| Efficiency ratio | 190.6643% | 76 |
| Assets per employee ($millions) | 5.5772% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7457% | 235 |
| Loan loss allowance to noncurrent loans | 23.0271% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 23.6341% | 34 |
| Noncurrent loans to loans | 20.6093% | 63 |
| Net loans and leases to total assets | 61.0814% | 4,061 |
| Net loans and leases to deposits | 69.1705% | 4,503 |
| Net loans and leases to core deposits | 72.8073% | 4,675 |
| Total domestic deposits to total assets | 88.3055% | 2,190 |
| Equity capital to assets | 6.8922% | 7,123 |
| Core capital (leverage) ratio | 6.6678% | 7,125 |
| Tier 1 risk-based capital ratio | 9.4322% | 7,162 |
| Total risk-based capital ratio | 10.7191% | 7,159 |
| Memoranda: | ||
| Average total assets | $101,710,000 | 4,950 |
| Average earning assets | $87,150,000 | 5,122 |
| Average equity | $8,447,000 | 5,473 |
| Average total loans | $70,270,500 | 4,612 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5122% | 6,367 |
| Cost of funding earning assets | 1.2372% | 4,309 |
| Net interest margin | 3.2749% | 6,056 |
| Noninterest income to average assets | -1.4764% | 7,639 |
| Noninterest expense to average assets | 3.9447% | 1,247 |
| Loan and lease loss provision to assets | 5.1546% | 70 |
| Net operating income to assets | -7.6749% | 7,613 |
| Return on assets (ROA) | -7.6749% | 7,615 |
| Pretax return on assets | -7.6749% | 7,618 |
| Return on Equity (ROE) | -58.3749% | 7,474 |
| Retained earnings to average equity (ytd only) | -58.3749% | 7,471 |
| Net charge-offs to loans | 5.5449% | 125 |
| Credit loss provision to net charge-offs | 127.1724% | 3,172 |
| Earnings coverage of net charge-offs (x) | -0.6218% | 6,508 |
| Efficiency ratio | 276.9379% | 35 |
| Assets per employee ($millions) | 5.7239% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.7807% | 119 |
| Loan loss allowance to noncurrent loans | 29.4929% | 6,326 |
| Noncurrent assets plus other real estate owned to assets | 21.0344% | 57 |
| Noncurrent loans to loans | 19.6004% | 75 |
| Net loans and leases to total assets | 69.6528% | 2,617 |
| Net loans and leases to deposits | 81.1415% | 2,961 |
| Net loans and leases to core deposits | 85.6066% | 3,383 |
| Total domestic deposits to total assets | 85.8412% | 3,436 |
| Equity capital to assets | 9.6816% | 4,166 |
| Core capital (leverage) ratio | 9.2924% | 4,019 |
| Tier 1 risk-based capital ratio | 12.3638% | 5,144 |
| Total risk-based capital ratio | 13.6664% | 5,074 |
| Memoranda: | ||
| Average total assets | $109,590,600 | 4,726 |
| Average earning assets | $97,071,200 | 4,802 |
| Average equity | $14,408,600 | 4,044 |
| Average total loans | $80,110,000 | 4,343 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8453% | 5,486 |
| Cost of funding earning assets | 1.2637% | 4,472 |
| Net interest margin | 3.5817% | 4,966 |
| Noninterest income to average assets | -1.4696% | 7,744 |
| Noninterest expense to average assets | 3.8981% | 1,206 |
| Loan and lease loss provision to assets | 3.1513% | 263 |
| Net operating income to assets | -5.3389% | 7,669 |
| Return on assets (ROA) | -5.3389% | 7,674 |
| Pretax return on assets | -5.3389% | 7,663 |
| Return on Equity (ROE) | -38.2711% | 7,474 |
| Retained earnings to average equity (ytd only) | -38.2711% | 7,471 |
| Net charge-offs to loans | 2.2163% | 808 |
| Credit loss provision to net charge-offs | 195.0297% | 1,829 |
| Earnings coverage of net charge-offs (x) | -1.3539% | 6,491 |
| Efficiency ratio | 227.8907% | 53 |
| Assets per employee ($millions) | 5.5471% | 1,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6942% | 118 |
| Loan loss allowance to noncurrent loans | 33.0968% | 6,128 |
| Noncurrent assets plus other real estate owned to assets | 19.6928% | 66 |
| Noncurrent loans to loans | 17.2047% | 118 |
| Net loans and leases to total assets | 70.3522% | 2,648 |
| Net loans and leases to deposits | 85.2656% | 2,473 |
| Net loans and leases to core deposits | 91.9185% | 2,815 |
| Total domestic deposits to total assets | 82.5094% | 4,797 |
| Equity capital to assets | 13.1184% | 1,519 |
| Core capital (leverage) ratio | 13.2197% | 1,143 |
| Tier 1 risk-based capital ratio | 16.3982% | 2,600 |
| Total risk-based capital ratio | 17.6993% | 2,532 |
| Memoranda: | ||
| Average total assets | $111,230,500 | 4,732 |
| Average earning assets | $98,759,000 | 4,818 |
| Average equity | $15,517,000 | 3,899 |
| Average total loans | $81,095,750 | 4,377 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8755% | 5,501 |
| Cost of funding earning assets | 1.3229% | 4,394 |
| Net interest margin | 3.5527% | 5,035 |
| Noninterest income to average assets | -2.2726% | 7,821 |
| Noninterest expense to average assets | 3.9443% | 1,106 |
| Loan and lease loss provision to assets | 2.6348% | 415 |
| Net operating income to assets | -5.6673% | 7,723 |
| Return on assets (ROA) | -5.6673% | 7,728 |
| Pretax return on assets | -5.6673% | 7,711 |
| Return on Equity (ROE) | -39.8864% | 7,530 |
| Retained earnings to average equity (ytd only) | -39.8864% | 7,523 |
| Net charge-offs to loans | 3.2959% | 458 |
| Credit loss provision to net charge-offs | 110.4444% | 3,681 |
| Earnings coverage of net charge-offs (x) | -1.2711% | 6,156 |
| Efficiency ratio | 432.5581% | 15 |
| Assets per employee ($millions) | 5.5568% | 1,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1699% | 318 |
| Loan loss allowance to noncurrent loans | 40.2727% | 5,660 |
| Noncurrent assets plus other real estate owned to assets | 14.6942% | 158 |
| Noncurrent loans to loans | 10.3543% | 420 |
| Net loans and leases to total assets | 72.6357% | 2,246 |
| Net loans and leases to deposits | 89.2562% | 1,970 |
| Net loans and leases to core deposits | 99.2956% | 2,089 |
| Total domestic deposits to total assets | 81.3789% | 5,258 |
| Equity capital to assets | 14.2727% | 1,076 |
| Core capital (leverage) ratio | 13.7841% | 979 |
| Tier 1 risk-based capital ratio | 17.1568% | 2,212 |
| Total risk-based capital ratio | 18.4389% | 2,166 |
| Memoranda: | ||
| Average total assets | $113,176,000 | 4,726 |
| Average earning assets | $101,445,330 | 4,764 |
| Average equity | $16,080,670 | 3,784 |
| Average total loans | $81,919,670 | 4,387 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9173% | 5,374 |
| Cost of funding earning assets | 1.3995% | 4,172 |
| Net interest margin | 3.5178% | 5,095 |
| Noninterest income to average assets | -4.8284% | 7,931 |
| Noninterest expense to average assets | 4.1206% | 884 |
| Loan and lease loss provision to assets | 5.0985% | 150 |
| Net operating income to assets | -10.8844% | 7,905 |
| Return on assets (ROA) | -10.8844% | 7,905 |
| Pretax return on assets | -10.8844% | 7,901 |
| Return on Equity (ROE) | -76.7612% | 7,786 |
| Retained earnings to average equity (ytd only) | -76.7612% | 7,781 |
| Net charge-offs to loans | 7.2695% | 120 |
| Credit loss provision to net charge-offs | 99.0040% | 3,474 |
| Earnings coverage of net charge-offs (x) | -1.1235% | 5,398 |
| Efficiency ratio | -247.4333% | 7,929 |
| Assets per employee ($millions) | 4.9282% | 2,330 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8965% | 411 |
| Loan loss allowance to noncurrent loans | 67.2658% | 3,993 |
| Noncurrent assets plus other real estate owned to assets | 10.5489% | 360 |
| Noncurrent loans to loans | 5.7926% | 1,167 |
| Net loans and leases to total assets | 69.2178% | 3,106 |
| Net loans and leases to deposits | 83.7321% | 2,981 |
| Net loans and leases to core deposits | 93.3923% | 2,917 |
| Total domestic deposits to total assets | 82.6658% | 4,772 |
| Equity capital to assets | 13.2848% | 1,403 |
| Core capital (leverage) ratio | 12.5559% | 1,388 |
| Tier 1 risk-based capital ratio | 16.8021% | 2,342 |
| Total risk-based capital ratio | 18.0809% | 2,283 |
| Memoranda: | ||
| Average total assets | $116,974,500 | 4,695 |
| Average earning assets | $105,180,000 | 4,732 |
| Average equity | $16,586,500 | 3,738 |
| Average total loans | $82,867,000 | 4,414 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9439% | 2,071 |
| Cost of funding earning assets | 1.5822% | 5,116 |
| Net interest margin | 4.3617% | 1,538 |
| Noninterest income to average assets | 0.2386% | 6,380 |
| Noninterest expense to average assets | 4.2206% | 1,068 |
| Loan and lease loss provision to assets | 2.8325% | 642 |
| Net operating income to assets | -2.7327% | 7,327 |
| Return on assets (ROA) | -2.7445% | 7,345 |
| Pretax return on assets | -2.7445% | 7,223 |
| Return on Equity (ROE) | -15.4482% | 6,960 |
| Retained earnings to average equity (ytd only) | -15.4482% | 6,909 |
| Net charge-offs to loans | 1.1761% | 2,084 |
| Credit loss provision to net charge-offs | 312.2000% | 1,049 |
| Earnings coverage of net charge-offs (x) | 0.1100% | 6,049 |
| Efficiency ratio | 97.6900% | 1,229 |
| Assets per employee ($millions) | 4.6385% | 2,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8004% | 407 |
| Loan loss allowance to noncurrent loans | 52.9753% | 4,817 |
| Noncurrent assets plus other real estate owned to assets | 11.2520% | 289 |
| Noncurrent loans to loans | 7.1739% | 763 |
| Net loans and leases to total assets | 67.0807% | 3,905 |
| Net loans and leases to deposits | 82.7012% | 3,504 |
| Net loans and leases to core deposits | 117.9180% | 2,143 |
| Total domestic deposits to total assets | 81.1121% | 5,310 |
| Equity capital to assets | 15.0206% | 907 |
| Core capital (leverage) ratio | 14.6487% | 852 |
| Tier 1 risk-based capital ratio | 18.4300% | 1,770 |
| Total risk-based capital ratio | 19.7048% | 1,724 |
| Memoranda: | ||
| Average total assets | $110,222,400 | 4,813 |
| Average earning assets | $103,148,200 | 4,753 |
| Average equity | $19,581,600 | 3,268 |
| Average total loans | $85,025,000 | 4,357 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0506% | 1,838 |
| Cost of funding earning assets | 1.5796% | 5,493 |
| Net interest margin | 4.4710% | 1,265 |
| Noninterest income to average assets | 0.2502% | 6,451 |
| Noninterest expense to average assets | 4.2565% | 967 |
| Loan and lease loss provision to assets | 2.5581% | 643 |
| Net operating income to assets | -2.3426% | 7,426 |
| Return on assets (ROA) | -2.3587% | 7,422 |
| Pretax return on assets | -2.3587% | 7,302 |
| Return on Equity (ROE) | -12.7259% | 7,057 |
| Retained earnings to average equity (ytd only) | -12.7259% | 6,992 |
| Net charge-offs to loans | 0.1845% | 4,911 |
| Credit loss provision to net charge-offs | 1,750.0000% | 223 |
| Earnings coverage of net charge-offs (x) | 1.4745% | 4,682 |
| Efficiency ratio | 95.1801% | 1,318 |
| Assets per employee ($millions) | 4.6818% | 2,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2966% | 505 |
| Loan loss allowance to noncurrent loans | 23.3120% | 6,887 |
| Noncurrent assets plus other real estate owned to assets | 11.0719% | 278 |
| Noncurrent loans to loans | 14.1414% | 173 |
| Net loans and leases to total assets | 75.7134% | 2,059 |
| Net loans and leases to deposits | 95.1684% | 1,686 |
| Net loans and leases to core deposits | 145.4542% | 712 |
| Total domestic deposits to total assets | 79.5573% | 5,608 |
| Equity capital to assets | 16.3366% | 736 |
| Core capital (leverage) ratio | 17.5636% | 494 |
| Tier 1 risk-based capital ratio | 19.4134% | 1,662 |
| Total risk-based capital ratio | 20.6865% | 1,620 |
| Memoranda: | ||
| Average total assets | $107,627,750 | 4,920 |
| Average earning assets | $101,629,500 | 4,829 |
| Average equity | $19,948,250 | 3,242 |
| Average total loans | $85,257,250 | 4,391 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3768% | 1,055 |
| Cost of funding earning assets | 1.5805% | 5,807 |
| Net interest margin | 4.7963% | 657 |
| Noninterest income to average assets | 0.2373% | 6,582 |
| Noninterest expense to average assets | 4.3009% | 944 |
| Loan and lease loss provision to assets | 1.8471% | 889 |
| Net operating income to assets | -1.3743% | 7,193 |
| Return on assets (ROA) | -1.3743% | 7,198 |
| Pretax return on assets | -1.3743% | 7,019 |
| Return on Equity (ROE) | -7.1005% | 6,816 |
| Retained earnings to average equity (ytd only) | -7.1005% | 6,576 |
| Net charge-offs to loans | 0.2839% | 3,772 |
| Credit loss provision to net charge-offs | 817.7966% | 576 |
| Earnings coverage of net charge-offs (x) | 2.0932% | 4,030 |
| Efficiency ratio | 90.0962% | 1,797 |
| Assets per employee ($millions) | 4.5219% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2451% | 1,173 |
| Loan loss allowance to noncurrent loans | 18.3564% | 7,224 |
| Noncurrent assets plus other real estate owned to assets | 10.0622% | 288 |
| Noncurrent loans to loans | 12.2308% | 216 |
| Net loans and leases to total assets | 80.4227% | 1,240 |
| Net loans and leases to deposits | 100.7747% | 1,204 |
| Net loans and leases to core deposits | 143.3060% | 868 |
| Total domestic deposits to total assets | 79.8044% | 5,538 |
| Equity capital to assets | 19.3850% | 426 |
| Core capital (leverage) ratio | 19.2774% | 402 |
| Tier 1 risk-based capital ratio | 21.6693% | 1,306 |
| Total risk-based capital ratio | 22.9303% | 1,273 |
| Memoranda: | ||
| Average total assets | $104,489,000 | 5,029 |
| Average earning assets | $98,826,670 | 4,929 |
| Average equity | $20,224,000 | 3,207 |
| Average total loans | $83,130,000 | 4,494 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4574% | 941 |
| Cost of funding earning assets | 1.5641% | 6,181 |
| Net interest margin | 4.8933% | 510 |
| Noninterest income to average assets | 0.1299% | 7,361 |
| Noninterest expense to average assets | 4.3158% | 843 |
| Loan and lease loss provision to assets | 3.4564% | 302 |
| Net operating income to assets | -2.9943% | 7,844 |
| Return on assets (ROA) | -2.9943% | 7,843 |
| Pretax return on assets | -2.9943% | 7,755 |
| Return on Equity (ROE) | -15.4822% | 7,623 |
| Retained earnings to average equity (ytd only) | -15.4822% | 7,459 |
| Net charge-offs to loans | 0.5762% | 2,023 |
| Credit loss provision to net charge-offs | 766.9492% | 776 |
| Earnings coverage of net charge-offs (x) | 1.0254% | 4,253 |
| Efficiency ratio | 90.3277% | 1,698 |
| Assets per employee ($millions) | 4.3940% | 2,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2033% | 1,079 |
| Loan loss allowance to noncurrent loans | 41.2913% | 5,795 |
| Noncurrent assets plus other real estate owned to assets | 4.2739% | 1,164 |
| Noncurrent loans to loans | 5.3359% | 992 |
| Net loans and leases to total assets | 78.3320% | 1,739 |
| Net loans and leases to deposits | 97.3496% | 1,760 |
| Net loans and leases to core deposits | 138.4062% | 1,179 |
| Total domestic deposits to total assets | 80.4647% | 5,186 |
| Equity capital to assets | 18.8137% | 513 |
| Core capital (leverage) ratio | 19.1893% | 436 |
| Tier 1 risk-based capital ratio | 21.2656% | 1,407 |
| Total risk-based capital ratio | 22.5252% | 1,376 |
| Memoranda: | ||
| Average total assets | $104,732,000 | 5,048 |
| Average earning assets | $99,482,500 | 4,930 |
| Average equity | $20,255,500 | 3,227 |
| Average total loans | $81,913,500 | 4,562 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3140% | 3,885 |
| Cost of funding earning assets | 1.6908% | 7,278 |
| Net interest margin | 4.6232% | 1,117 |
| Noninterest income to average assets | 0.1215% | 7,512 |
| Noninterest expense to average assets | 4.8222% | 696 |
| Loan and lease loss provision to assets | 0.6550% | 2,222 |
| Net operating income to assets | -0.8845% | 7,175 |
| Return on assets (ROA) | -0.8305% | 7,065 |
| Pretax return on assets | -0.8305% | 6,900 |
| Return on Equity (ROE) | -3.5542% | 6,691 |
| Retained earnings to average equity (ytd only) | -3.5542% | 6,238 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9988% | 837 |
| Assets per employee ($millions) | 4.5221% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3533% | 3,462 |
| Loan loss allowance to noncurrent loans | 910.1695% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 7,123 |
| Noncurrent loans to loans | 0.1487% | 6,964 |
| Net loans and leases to total assets | 75.2694% | 2,814 |
| Net loans and leases to deposits | 94.7406% | 2,654 |
| Net loans and leases to core deposits | 117.7195% | 2,919 |
| Total domestic deposits to total assets | 79.4479% | 5,224 |
| Equity capital to assets | 19.8742% | 474 |
| Core capital (leverage) ratio | 20.6009% | 397 |
| Tier 1 risk-based capital ratio | 22.7658% | 1,219 |
| Total risk-based capital ratio | 23.9596% | 1,198 |
| Memoranda: | ||
| Average total assets | $88,859,400 | 5,393 |
| Average earning assets | $85,935,400 | 5,235 |
| Average equity | $20,764,200 | 3,125 |
| Average total loans | $63,327,200 | 5,128 |